The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$80,075
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,566
−HK$2,531/mo
Today · 4.125%
HK$85,097
baseline
▲ 0.50% · 4.625%
HK$90,274
+HK$5,177/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$170,194/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,083
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,472
−HK$2,424/mo
Today · 4.125%
HK$93,896
baseline
▲ 0.50% · 4.625%
HK$98,845
+HK$4,949/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$187,792/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,090
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$99,079
−HK$3,037/mo
Today · 4.125%
HK$102,116
baseline
▲ 0.50% · 4.625%
HK$108,329
+HK$6,213/mo
Deposit HK$14.05M · loan HK$21.07M · min. income ≈ HK$204,232/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,899
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$109,766
−HK$2,909/mo
Today · 4.125%
HK$112,675
baseline
▲ 0.50% · 4.625%
HK$118,614
+HK$5,939/mo
Deposit HK$14.05M · loan HK$21.07M · min. income ≈ HK$225,350/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,105
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$115,592
−HK$3,543/mo
Today · 4.125%
HK$119,135
baseline
▲ 0.50% · 4.625%
HK$126,384
+HK$7,249/mo
Deposit HK$10.54M · loan HK$24.58M · min. income ≈ HK$238,270/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,716
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$128,061
−HK$3,393/mo
Today · 4.125%
HK$131,454
baseline
▲ 0.50% · 4.625%
HK$138,383
+HK$6,929/mo
Deposit HK$10.54M · loan HK$24.58M · min. income ≈ HK$262,908/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,135
−HK$9,039/mo
▼ 0.25% · 3.875%
HK$148,619
−HK$4,555/mo
Today · 4.125%
HK$153,174
baseline
▲ 0.50% · 4.625%
HK$162,494
+HK$9,320/mo
Deposit HK$3.51M · loan HK$31.61M · min. income ≈ HK$306,348/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,492,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,349
−HK$8,663/mo
▼ 0.25% · 3.875%
HK$164,649
−HK$4,363/mo
Today · 4.125%
HK$169,012
baseline
▲ 0.50% · 4.625%
HK$177,921
+HK$8,909/mo
Deposit HK$3.51M · loan HK$31.61M · min. income ≈ HK$338,024/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,492,461 · Scale 2, in force from 26 Feb 2026)